I have to design a newsletter for our group up here, and I honestly have no idea about what format to put it in, or how to implement the format electronically. I am wondering if you know of any program that provides a template or anything…am I making sense?

It's a newsletter for about 35 people; I can't do it in a way that "costs money" since it's not in our group's budget. I know what the content will be but I need a program that will let me design say, 3-4 pages (front and back) and it has to be user friendly. They picked the worst guy for this as I am electronically challenged.